SUIT AGAINST AAA INSURANCE COMPANY FINDS THAT EXCLUSION CONFLICTS WITH MISSOURI'S MOTOR VEHICLE FINANCIAL RESPONSIBILITY LAW
The insured, Michael Blumer filed suit against his own insurance company, Automobile Club Inter-Insurance Exchange (d/b/a AAA Insurance) following a motorcycle accident in Boone County, Missouri. The driver of the other vehicle was never identified. At the time of the motorcycle incident, Blumer had two vehicles insured by AAA. The AAA policy provided uninsured motorist coverage with limits of $100,000 per person for each of two vehicles.
The AAA Policy contained an exclusion which provided "This coverage shall not apply to vehicles, including trailers, owned by you and not insured under this policy". It was not disputed that Blumer's motorcycle was owned by him and was not insured under the AAA policy, but was insured with another insurance company. That company, Progressive Northwestern Insurance Company, paid its uninsured motorist limits of $25,000.
